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60305 Homeowners Insurance Quotes & Coverage Options
For homeowners like you shopping online for home insurance quotes in the 60305 zip code it's important to know that our rates are very competitive for homeowners living in River Forest, IL. Many homeowners based out of your 60305 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Illinois licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 60305 should appear in the zip code field ready to go. For River Forest, IL Homeowners Insurance Quotes nearby, we offer the best rates and service.
60305: Average Home Insurance Rates
For homeowners living in the great city of River Forest, the average homeowners policy is considered medium in comparison to other states. Illinois premiums are estimated to be around $879 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.
60305 Home Insurance Average Premiums
$629 /yr.
Shows Zip Code: 60305 lowest rates with discounts applied on average.
For the 60305, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $629 /yr. |
| Average Coverage: | $879 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1179 /yr. |
What is the average home insurance cost for a home in 60305?
- • The average homeowners insurance premium paid annually for a home in 60305 is around $879 per year.
What does it cost on average per month for home insurance in 60305?
- • Homeowners in 60305 pay a monthly average cost per month around $73.00.
What kind of discount could I get if I combine my home and auto insurance together in 60305?
- • Autoowners in 60305 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.
For shopping home insurance rates within the River Forest area, check out other zip codes nearby 60305.
Review average rates in another zip code:
60305 homeowners insurance rates
Home Replacement Cost Coverage in 60305
Average Building Cost Per Square Foot in 60305: $154
Location: River Forest, Illinois (Cook County)Average Square Footage in 60305: 3,905 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 60305 before you start any project. River Forest homeowners pay on average around $154 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 60305 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Here is how you determine your replacement cost. If we take an average home in 60305 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,905 sq. ft. and the average cost to rebuild the home in this area is around $154 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the River Forest area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.
| Home Improvement Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $154 | 3,905 | $601,300 |
| Additional Upgrades & Added Features | $193 | 3,905 | $751,625 |
| Major Home Updates or Advancements | $231 | 3,905 | $901,950 |
It's important to understand that when you estimate your replacement cost of your home in the 60305 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.
Best Homeowners Insurance Agencies in 60305
Allstate Insurance - Ericka Beasley
Address: 7757 W Lake St River Forest, IL 60305Phone: (708)366-3700
Website: www.allstatetoolkit.com/clicks_rate.asp?MB_ID=13865
Best Home & Auto Insurance Agencies in 60305
Geinopolos- Mary Ann L
Address: 7417 North Ave River Forest, IL 60305Phone:
Website:
Info:
Koca- Lenore L
Address: 7601 Madison St Forest Park, IL 60305Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards
Grant- Michael T - State Farm Insurance Agent
Address: 7975 Lake St River Forest, IL 60305Phone:
Website:
Info:
Allstate Insurance - Ericka Beasley
Address: 7757 Lake St River Forest, IL 60305Phone:
Website: http://www.allstatetoolkit.com/clicks_rate.asp?MB_ID=13865
Info:
American Family Insurance- James V Doheny Jr
Address: 7610 Madison St River Forest, IL 60305Phone:
Website: http://www.amfam.com/
Info:
Housing Demographics for 60305
Population Review for 60305 Zip Code
For the city of River Forest, the population within 60305 has increased to over 11,351 residents in population size. The current population total is 11,710. We have broken down the population based on race below. In 60305, there are over 5551 in male population and 6159 females.
| Population | Values |
|---|---|
| Total Population | 11,710 |
| White Population | 8538 |
| Black Population | 880 |
| Hispanic Population | 990 |
| Asian Population | 939 |
| Hawaiian Population | 0 |
| Indian Population | 14 |
| Other Population | 316 |
| Male Population | 5551 |
| Female Population | 6159 |
| Population Estimate | 11351 |
Household Data for 60305
The average number of homes in 60305 is around 4,004, there are an average of 2.69 per household. The average house value according to local real estate values is around $601,300. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 4,004 |
| Persons Per Household | 2.69 |
| Average House Value | $601,300 |
| Income Per Household | $129263 |
| Median Age | 40.1 |
| Median Age Male | 38.7 |
| Median Age Female | 41.0 |
| 60305 Details | Values |
|---|---|
| State | IL |
| State Full Name | Illinois |
| City Type | B |
| City Alias Abbreviation | |
| Area Code | 630/708 |
| City | River Forest |
| City Alias Name | RIVER FOREST |
| County | Cook |
| County FIPS | 031 |
| State FIPS | 17 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | 1602 |
| PMSA | 1600 |
| CSA | 176 |
| CBSA | 16980 |
| CBSA_DIV | 16984 |
| CBSA_Type | Metro |
| CBSA_Name | Chicago-Naperville-Elgin, IL-IN |
| MSA_Name | Chicago-Gary-Kenosha, IL-IN-WI CMSA |
| PMSA_Name | Chicago, IL PMSA |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 300 |
| Number Of Employees | 4510 |
| Business First Quarter Payroll | 37628 |
| Business Annual Payroll | 158848 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 9461105 |
| CBSA Division Population | 7147982 |
| Congressional District | 07 |
| Congressional LandArea | 62.52 |
| Delivery Residential | 4220 |
| Delivery Business | 219 |
| Delivery Total | 4962 |
| Preferred Last Line Key | W14621 |
| Classification Code | |
| Multi-County | |
| CSA Name | Chicago-Naperville, IL-IN-WI |
| CBSA_DIV_Name | Chicago-Naperville-Schaumburg, IL |
| City State Key | W14621 |
| Land Area | 2.477000 |
| Water Area | 0.002000 |
| City Alias Code | |
| City Mixed Case | River Forest |
| City Alias Mixed Case | River Forest |
| Box Count | 271 |
| SFDU | 2946 |
| MFDU | 1256 |
| State ANSI | 17 |
| County ANSI | 031 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | B |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 165790 |
| Unique ZIP Name | |
| SSA State County Code | 14141 |
| Medicare CBSA Code | 16984 |
| Medicare CBSA Name | Chicago-Naperville-Evanston, IL |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 1 |
| County Mixed Case | Cook |
Illinois Homeowners Insurance News & Information
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2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024
According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges. Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]
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What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024
A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly. The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]
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$4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024
According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]